How Credit Counselling Works by John Mussi
Credit counselling services are becoming a major industry in the world today… both for-profit and non-profit organizations are showing up more and more frequently, offering to help individuals who have had credit problems in the past to get out of debt and get their lives back on track. ... To avoid being taken advantage of you should investigate the service that you're considering with your local consumer advocate group, and consider the following to make sure that credit counselling is right for you.

A Guide to Consumer Credit Counseling by John Mussi
When debt begins to build up uncontrollably, it may seem as though the only way for you to get out of debt is to file bankruptcy and deal with all of the negative repercussions that come with it. Luckily, there is another option… in many cases a service known as consumer credit counseling can... Avoiding Consumer Credit Counseling Scams As with most services concerning money, there are those who will try to present themselves as consumer credit counseling services in order to scam money out of individuals who are desperate for a way out of debt.

What Are Credit Counseling Services by Joseph Kenny
If you are looking for a credit counseling service it is likely that you are already in financial danger. When a counseling service offers easy solutions to your problems, it can be hard not to believe them, especially if you're on the verge of bankruptcy. ... The best way to choose a credit counseling service is to look for institutions that are listed in the National Foundation for Credit Counseling. ... When you are looking for a credit counseling service, there are certain things you should look for to make sure they are honest.

Uk Consumers Start Clawing Their Way Out Of The Financial Debt Pit by Michael Hanna
Another year ended, and another round of UK debt statistics. CreditAction has just announced the latest summing up of the personal debt situation in the UK. Their figures show that the end of 2005 has seen the total level of personal debt rise to an astounding £1,158bn, an increase of £100bn... The Citizens Advice Bureau and Consumer Credit Counselling Service have both received record numbers of people calling their debt advisory services after finding they were struggling to pay back what they owe, with 9,310 calls taken during the first nine working days of 2006.

Personal Finance - Have Consumers Had a Belly Full of Personal Debt? by Rachel Lane
For months, we were trigger-swipe happy, putting our groceries, clothes, holidays and service charges on our credit cards. We wanted mortgages, we took out loans, we watched Property Ladder and What Not To Wear. Whether you were born middle class, had middle class aspirations, you became middle... If you have any outstanding debts, you can seek advice from the Consumer Credit Counselling Service (CCCS) or Citizens’ Advice and financial comparison sites like lowermybills and moneynet also provide detailed research on debt consolidation loans and debt management.

Debt Elimination: Legal! Lawful! Ethical! Debt Elimination Really Works by Natasha Anderson
You are trying hard to eliminate your loans but keep falling back on your old ways. This constantly leads you back to square one situation and debts seem like they are ever increasing. This is the time to go for debt elimination. The good news is that you are not alone, if you are thinking about... For debt elimination, search a debt counselling agency that is the member of National Foundation for Credit Counselling (NFCC) or the Association of Independent Consumer Credit Counseling Agencies (AICCCA).

Debt Consolidation Tips: An "All in One" Guide! by Marsha Claire
A Debt consolidation loan is a loan used to repay several other loans or other debts. A Debt Consolidation Loan is a low cost loan secured on collateral in the form of any securable property, your home, your vehicle or any valuable asset. Debt consolidation loans consolidate all debts incurred... Look up an agency that is the member of the National Foundation for Credit Counselling (NFCC) or the Association of Independent Consumer Credit Counselling Agencies (AICCCA). ... Debt Consolidation counselling: Debt consolidation with debt counselling can provide you with expert debt advice for...

How to Reduce Your Debt in 5 Easy Steps by Chileshe Mwape
If you have incurred substantial personal debt, consider these options: budgeting, debt consolidation, credit counselling from a reputable organization and working with your creditors. You will need to choose a debt reduction method that will work best for you? ... In the UK you can use free debt counselling services such as the Consumer Credit Counselling, the National Debtline and the Citizens Advice Bureau. ... b) Credit Cards Transfer your credit card debts (balance) to a card offering an introductory 0% interest rate for balance transfers.

Adverse Debt Levels Blight UK Consumers Personal Finances by Richard Green
Debt levels are at an all time high in the UK. The younger generation tend to be feeling the pinch the most, but parents are increasingly being required to bail them out, often at great expense to their own limited mortgage or retirement savings. It has become almost accepted as a fact of life... Some of the major banks and financial service providers have taken the initiative and started to help police the growing adverse debt problems with HSBC announcing that it will share their full credit record, of both positive and negative information, on its personal customers with other regulated...

The Burden of Debt by Grant Marwick
Over recent years personal debt in the UK has exploded. Since 1997 the total debt including mortgages was in the region of £940 million. Approximately 18% of that figure is unsecured credit, accounting for about £8000 per household. This is a staggering amount of money. ... If you need help on doing this then contact the National Debtline on (Freephone) 0808 808 4000 or the Consumer Credit Counselling Service on (Freephone) 0800 138 1111. ... This sounds simple but you can’t service your credit if your repayments are more than what you earn.